CHIP Advance

Pay-as-you-sell financing for your business

We partnered with Seedflex to offer you a frictionless Shariah-based line of credit that's accessible at all times.
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Estimate your repayments. Try demo
Achievement Unlocked!
RM 15 million
Total Sales Advance Funds Disbursed
to Merchant (as of June 2026)
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Benefits
Key features
How it works?
Use cases
Repayment demo
FAQs

Fund your business without the hassle

Shariah-compliant
A funding solution that aligns with Islamic finance principles.
No interest & penalties
Just a one-time 6% fee. No compounding charges, ever.
Fast access to funds
Submit your request in 5 mins. Receive funds in 48 hours.
Automatic repayments
Repay through your daily sales. No manual transfers required.
Scalable
Advance amount grows as your transaction volume increases.

Innovative financing to fuel your growth

Dashboard showing CHIP Advance financing offer of RM 100,000 with eligibility and application button.

Access funds up to 10x of your weekly sales

Invest in inventory, operations and marketing to fuel your business growth.
No interests and collaterals.
Funds disbursed 48 hours after approval.
Advance limits are refreshed monthly.
How to apply?

Repay automatically with Pay-As-You-Sell Advance®

Keep cash flow simple with repayments automatically deducted from your daily sales settlements. Read more.
Set repayment % based on sales.
No late payment fees.
Try Repayment Demo
Loan repayment dashboard showing RM 15,000 paid of RM 50,000 with recent successful repayments listed.
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Focus on growing your business, not managing finances

Spend more time with your customer and optimize your business operations.
See funding use cases

How it works?

Apply for advance funds in 4 simple steps

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Step 1
Complete an application form to unlock funding offer
Under 5 minutes
Hands holding tablet showing a loan advance review screen with details and confirm button.
Step 2
Review the offer and submit funding request
Notification of RM 100,600 received in account ending 3212 with reference to cash advance payout.
Step 3
Receive funds within 48 hours after approval
Repayment progress showing RM32,142.3 paid, 30% complete, from total RM 107,141.00.
Step 4
Grow your business and repay as your revenue grows

Use your funds where it matters most

Purchase inventory
Keep popular products in stock or buy inventory in larger quantities when suppliers have offers.
Hire and pay staff
Cover payroll, recruit new employees or onboard additional team members to support business.
Expand to a new location
Open a new outlet or renovate your premises needed to support your next stage of growth.
Invest in marketing
Start promotional campaigns or customer acquisition to expand your reach.
Upgrade equipment
Purchase new equipment and replace outdated tools that improves operations.
Cover seasonal cashflow
Bridge temporary cashflow gaps while waiting for customer payments.
Support day-to-day operations and seize growth opportunities with greater confidence.

Repayment demo

Estimate your repayments

Adjust your weekly sales and repayment rate to see how long it takes to fully repay your cash advance.
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Interactive demo
Enter your weekly sales:
RM 25,000
You will receive RM 100,000 to your bank.
Repayment amount: RM 106,500 (incl. fees)
Repay XX% of Sales
Repayment: RM 5,000 / week
Estimated repayment duration: 21 weeks.
Disclaimer: This demo only help you to estimate repayment. For the final numbers, please refer at CHIP Advance dashboard and your official agreement.

CHIP Advance

Frequently Asked Questions

Who is eligible for CHIP Advance?
Merchants must meet basic eligibility criteria, including a consistent sales history. Specific requirements may vary, so contact us to confirm your eligibility.
Do I need collateral to qualify?
No, CHIP Advance is unsecured financing, meaning you don’t need to provide any assets, like property or equipment, as collateral. Approval is based on your sales performance and business profile.
How much funding can I get?
The funding amount is determined by your historical sales data. You may qualify for an advance of up to 10 weeks’ worth of sales.
Are there any hidden fees or charges?
There are no hidden fees. CHIP Advance charges a one-time fee of 6%, with no interest or late fees.
How does repayment work?
Repayment is fully automated and tied to your sales. A fixed percentage of your daily transactions is deducted until the advance is fully repaid.
What happens if my sales slow down?
CHIP Advance is designed to adjust with your revenue. If your sales slow down, repayments decrease, minimizing the impact on your business.
What is the typical repayment duration?
Up to 20 weeks.

Ready to unlock funds?

Check your advance eligibility and grow your business.
Chat with usUnlock advance
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Pricing tag
Pay-as-you-sell Advance® financing solution.
Advance pricing
Dedicated local support
Still deciding? Get answers from our team.
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